Earn-a-Carhttps://www.earnacar.co.za
Rent to own a pre-owned carFri, 29 May 2020 08:35:55 +0000en-US
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1 https://wordpress.org/?v=5.4.1Everything you need to know about wheel alignment and the condition of a tyrehttps://www.earnacar.co.za/everything-you-need-to-know-about-wheel-alignment-and-the-condition-of-a-tyre/
Mon, 01 Jun 2020 05:27:46 +0000https://www.earnacar.co.za/?p=88215Safety should always be paramount with a rent-to-own vehicle. Monitoring and rectifying the wheel alignment of your vehicle will keep you and your family safe and save you money by not having to buy new tyres often, in the long run. We share facts you need to know about wheel alignment and how it impacts [...]

]]>Safety should always be paramount with a rent-to-own vehicle. Monitoring and rectifying the wheel alignment of your vehicle will keep you and your family safe and save you money by not having to buy new tyres often, in the long run. We share facts you need to know about wheel alignment and how it impacts the condition of your vehicle’s tyres.

Why is wheel alignment important for your rent-to-own vehicle?

Correct wheel alignment helps your vehicle’s tyres perform well, last longer and improves the handling of the vehicle. Since the signs of wheel misalignment appear gradually, paying attention to your vehicle can save time, money and keep you safe behind the wheel.

What is wheel alignment?

The system that connects the vehicle to its wheels is called the suspension and wheel alignment refers to an adjustment of the vehicle’s suspension. Proper alignment of the suspension means adjusting the angles of the tyres, which affects how they make road contact.

Signs that a wheel alignment service is required on your rent-to-own vehicle

There are clear signs that indicate wheel alignment is required:

Vibration of the steering wheel when driving.

Vehicle pulls to the left or right when driving.

The steering wheel is off centre when driving straight.

You notice an uneven tread wear on your vehicle tyres.

What do technicians look at when they check the wheel alignment of your rent-to-own vehicle?

Technicians specifically look at three things when they check the wheel alignment of your vehicle – camber, toe and caster.

Camber alignment: this is the inward or outward angle of the tyre when viewed from the front of the vehicle. Misalignment of the camber might be caused by worn bearings, ball joints or other wheel-suspension parts.

Toe alignment: the extent to which the vehicle’s tyres turn inward or outward when viewed from above. This affects tyre tread wear.

Caster alignment: the angle of the steering axis when viewed from the side of the vehicle. The caster angle balances the steering, stability and cornering of your vehicle.

Poorly maintained roads and hitting potholes at speed are just two causes negatively impacting the wheel alignment of your rent-to-buy vehicle. Have your vehicle’s wheel alignment checked regularly and keep your family safe.

Earn-a-Car provides easy vehicle finance when you have a low credit score, so your credit history will not affect your car leasing application.Contact us today for a quality rent-to-own vehicle.

]]>Six types of people who love rent-to-own vehicle finance and why it is a great idea!https://www.earnacar.co.za/six-types-of-people-who-love-rent-to-own-vehicle-finance-and-why-it-is-a-great-idea/
Mon, 25 May 2020 05:39:56 +0000https://www.earnacar.co.za/?p=87284Some people love the option of being able to own a car, even if they are blacklisted and are trying to improve their credit score. Why - because this type of vehicle finance takes the stress out of getting a car. Here are six types of people that get back on the road with a [...]

]]>Some people love the option of being able to own a car, even if they are blacklisted and are trying to improve their credit score. Why – because this type of vehicle finance takes the stress out of getting a car. Here are six types of people that get back on the road with a lease-to-buy car.

Previous car owners that are blacklisted but need a reliable car for work.

People that need a car quickly and meet all of the Earn-a-Car pre-approval criteria.

People that have only worked with cash and do not have a credit history, but do have proof of income.

Working adults, with a recent payslip, whom a bank has rejected their car finance application.

People that need a car, are blacklisted but prefer not to get a personal loan.

Young people that are in their first job and have not built a credit record yet.

Why is a rent-to-buy a car a good idea?

When you have a poor credit history, car leasing is a good option. With a rent-to-buy a car finance option, you rent the car at a fixed monthly fee, that remains the same throughout the contract term even if interest rates increase. Each monthly instalment you make serves as a repayment on the car you are driving.

This makes budgeting a lot easier, as you will know how much to pay over a fixed time period, in order to finally own the car of your choice. And you do not have to stress about obtaining car finance. You are also not locked into the contract, as Earn-a-Car normally allows customers to end the contract with one calendar months’ written notice and return the vehicle. Before doing so, we advise that you speak to our finance department first, as you may run the risk of losing your upfront admin fee.

Need to earn cash? Earn-a-car will give you a cash reward for every successful lead you provide that results in a sale. Contact us today if you think that a rent-to-own car finance option is a great idea.

]]>Are you a South African citizen, need a car but you’re blacklisted? A rent-to-own car finance plan can help youhttps://www.earnacar.co.za/are-you-a-south-african-citizen-need-a-car-but-youre-blacklisted-a-rent-to-own-car-finance-plan-can-help-you/
Mon, 18 May 2020 05:33:06 +0000https://www.earnacar.co.za/?p=87280Earn-a-Car will rent a car to you, even if you are blacklisted. Our cars are competitively priced, and our agreement comprehensively explains what you can expect from us and what we need from you. It is difficult to get a vehicle when you are blacklisted, but a rent-to-own car finance plan makes car leasing possible, [...]

]]>Earn-a-Car will rent a car to you, even if you are blacklisted. Our cars are competitively priced, and our agreement comprehensively explains what you can expect from us and what we need from you. It is difficult to get a vehicle when you are blacklisted, but a rent-to-own car finance plan makes car leasing possible, despite the bad credit.

Your credit profile is a ‘snapshot’ of how financially risky you appear at a certain point in time, but fortunately, credit bureaus hold positive data as well. This helps you to build your credit-worthiness by paying off your rent-to-own car as per the agreement.

What criteria will allow you to rent-to-own a car even if you are blacklisted?

What criteria do you need to meet, in order to qualify for vehicle finance approval from Earn-A-Car, besides being a South African citizen?

Live in Gauteng or Witbank

Have a minimum upfront payment of approximately 20% of the value of the car you choose

Be able to afford a minimum monthly payment amount of approximately R4,500 per month

Have a valid driver’s license

Provide South African identity and proof of residence

Provide more than 3 months original bank statements and a recent payslip as proof of income

Have no criminal record or previous unresolved issues with Earn-a-Car and

Need to be 25 years or older if you are male.

Earn-a-Car has a simple and easy to use online approval process that needs to be completed as part of the pre-approval process. The upfront admin fee and the monthly repayments of your agreement is determined by the vehicle you choose. You can earn the car of your choice in as little as 4 to 6 years, and no credit checks are required.

Earn-a-Car will provide you with a rent-to-own vehicle that is in good condition, and the monthly payment amount includes accident cover, accident support and a tracking system. Contact us today if you need to rent a car but are blacklisted.

]]>Pocket-friendly winter family holiday road trip destinations in South Africa!https://www.earnacar.co.za/pocket-friendly-winter-family-holiday-road-trip-destinations-in-south-africa/
Fri, 08 May 2020 12:20:37 +0000https://www.earnacar.co.za/?p=87276Planning a fun winter family holiday road trip, if and when allowed after COVID-19 Lockdown, using your rent-to-own car and not sure where to go? Consider going north to Magoebaskloof, Limpopo or Mpumalanga Province or even the Kruger National Park. Driving Magoebaskloof in your rent-to-own car Magoebaskloof (Magoeba’s Valley) is less than 400 kilometres from [...]

]]>Planning a fun winter family holiday road trip, if and when allowed after COVID-19 Lockdown, using your rent-to-own car and not sure where to go? Consider going north to Magoebaskloof, Limpopo or Mpumalanga Province or even the Kruger National Park.

Driving Magoebaskloof in your rent-to-own car

Magoebaskloof (Magoeba’s Valley) is less than 400 kilometres from Johannesburg, Gauteng Province and is also known as “The Land of the Silver Mist” because the mountains and valleys are regularly shrouded in a soft mist. When in the Magoebaskloof area, try adventure activities such as the Magoebaskloof Canopy Tour, abseiling, hiking or mountain biking.

The Magoebaskloof Pass runs between the towns of Tzaneen and Haenertsburg and offers breath-taking views over the kloof. This road drops approximately 600 metres over just six kilometres. There are plenty of accommodation options for overnight stays in the area.

When using a rent-to-own car to drive to your holiday destination and surroundings, always check the limitations on the kilometers you may travel each month and year.

Driving the Kruger National Park in your rent-to-own car

The Kruger National Park is less than 600 kilometres from Johannesburg, Gauteng Province and with an area of 19,485 square kilometres offers extensive opportunity to see some wildlife. It is home to the big five (lion, elephant, leopard, buffalo, rhinoceros) and has twelve rest camps you can overnight in during the winter family holiday road trip.

When driving in the Kruger National Park always stick to the speed limits that are 50 kilometres per hour on tarred roads and 40 kilometres per hour on gravel roads. And never, ever get out of your car unless you are in a designated area. Always be respectful of the wild animals.

Earn-a-Car will rent a car to you even if you are blacklisted. The monthly payment includes insurance, service support, 24-hour roadside assistance and warranty. Contact us today for your lease-to-own car and plan the next road trip.

]]>How much should you be spending on a car?https://www.earnacar.co.za/how-much-should-you-be-spending-on-a-car/
Tue, 05 May 2020 12:26:30 +0000https://www.earnacar.co.za/?p=87272Car leasing with no deposit, as offered by Earn-a-Car, is a great option when you want to buy a car. But how much should you be spending on a car? It is generally suggested that the price of the car you choose should be no more than 30% of your annual gross salary and the [...]

]]>Car leasing with no deposit, as offered by Earn-a-Car, is a great option when you want to buy a car. But how much should you be spending on a car? It is generally suggested that the price of the car you choose should be no more than 30% of your annual gross salary and the monthly car costs no more than 10% of your annual gross salary.

This means that if for example your annual gross salary is R200,000 then the price of the car you purchase, should not be more than R60,000 and the car repayments no more than R20,000 per year.

What else should you consider when leasing a car with no deposit?

Owning a car includes a variety of expenses, whether yearly or monthly, over and above the monthly repayment. Also, consider the following when planning to buy a car:

Is the cost of maintenance, accident cover, accident support and a tracking system included in the car purchase price or do you have to budget additionally for these expenses?

Establish what the expected fuel consumption of your preferred car might be, based on how many kilometres you currently travel. This is a guide to your monthly petrol costs.

When you have a reasonable idea of how much you can spend on a car and start looking for a suitable one, also remember:

Check the service book of the car to find out if it has been serviced regularly, and by a reputable service provider, as this will make the car more reliable.

Always ask whether the car has been in any major or minor accidents.

Don’t buy a car to impress your family or friends. The type of car you buy should fulfil your needs and be within your budget. Afterall, you will be paying for the car and its maintenance.

Earn-a-Car offers you the opportunity to rent-to-own a car, even if you are blacklisted. And the good news is that your credit history will not affect your application. Contact us today.

]]>4 Ways to Lower your Car Maintenance Costshttps://www.earnacar.co.za/4-ways-to-lower-your-car-maintenance-costs/
Tue, 28 Apr 2020 06:00:50 +0000https://www.earnacar.co.za/?p=86749When buying a car, especially an older model that no longer has the manufacturers vehicle warranty, you need to consider the costs of maintaining the car. Replacing tyres, windscreen wipers and a general service is not as costly as having to take your car for a major service or potentially, having to replace the cambelt. [...]

]]>When buying a car, especially an older model that no longer has the manufacturers vehicle warranty, you need to consider the costs of maintaining the car. Replacing tyres, windscreen wipers and a general service is not as costly as having to take your car for a major service or potentially, having to replace the cambelt. Here are four useful tips to help you reduce your car maintenance costs.

1. Stay within the speed limit

It can be tempting to race down a quiet street or even on the highway. When accelerating rapidly, this can cause general wear and tear, faster, while also placing a lot of friction on a small engine.

2. Expert advice

Have your car serviced according to the vehicle manufacturer’s guidelines. Replacing the oil, air filters and spark plugs helps to keep your car in good condition. A motor mechanic will let you know when the next major part or major service is needed. This will give you time to save.

3. Use quality spare parts

When replacing a part on your car, opt for high-quality parts and when possible, always buy the part that has a guarantee. These parts may be more expensive but should last a lot longer and save you money and time by having to replace them sooner.

4. Rotate the tyres

Rotating the tyres and getting them wheel aligned at least every six months, will distribute the wear evenly, even if your car is a front or rear-wheel drive.

At Earn-a-Car, we help South Africans living in Gauteng, to own a car. We are passionate about finding the ideal car that suits your budget and your needs. If you’re interested in a rent-to-own car, contact us today!

]]>The Positives of Rent-to-Own Vehicle Financehttps://www.earnacar.co.za/the-positives-of-rent-to-own-vehicle-finance/
Mon, 20 Apr 2020 05:52:04 +0000https://www.earnacar.co.za/?p=86747Do you need a car and are currently exploring the finance options available to you, in order to own a car? Have you heard of rent-to-own a car? This is an option where you are able to rent a car, over a long period of time, without having to pay interest. At the end of the [...]

]]>Do you need a car and are currently exploring the finance options available to you, in order to own a car? Have you heard of rent-to-own a car? This is an option where you are able to rent a car, over a long period of time, without having to pay interest. At the end of the rental period, you have the option to own the car.

Here is a helpful guide that outlines the positives and negatives of a rent-to-own car finance option:

Positives

Credit: If you are blacklisted or have a low credit score, you are still able to pay for a car monthly.

fixed payment terms,

Interest free

Monthly instalment includes insurance and 24 hour assistance

A small portion of your monthly instalment is accumulated every month, to be used to service your car or replace your tyres.

At Earn-a-Car, in the past 9 years, we have helped over 5 000 people in South Africa, to find a pre-loved car. If you have a low credit score, are considered to be a high risk finance customer, it can be challenging finding the suitable finance option to buy a car, that is affordable. To find out more, give us a call today.

]]>Top 3 Ways to Buy a Car in South Africahttps://www.earnacar.co.za/top-3-ways-to-buy-a-car-in-south-africa/
Mon, 13 Apr 2020 05:39:31 +0000https://www.earnacar.co.za/?p=86745Do you want to own your own car? Are credit checks creating a challenge? Finding ways to finance a car, can be more difficult than not only deciding on the car make and model that meets your needs, but also finding it. At Earn-a-Car, we will help you find and finance a pre-loved car that [...]

]]>Do you want to own your own car? Are credit checks creating a challenge? Finding ways to finance a car, can be more difficult than not only deciding on the car make and model that meets your needs, but also finding it. At Earn-a-Car, we will help you find and finance a pre-loved car that is in good condition.

If you’re looking to purchase your own car soon, then you are most likely considering a number of finance options too.

Ways to finance a pre-loved car

The three most common ways to finance a pre-owned car includes the following:

1. Personal Loan

Personal loans are higher in interest, but are a good option when wanting to buy a car older than 10 years.

2. Vehicle Finance

Getting vehicle finance from a bank is a good option, especially if you want to buy a car that is new, a demo model or less than five years old. This option generally does have a lower interest rate, depending on your risk profile.

3. Mortgage

Did you know you could finance your car or finance the deposit of your car, by drawing funds from your access-bond. For more information, speak to your Bank Manager to understand your risks and obligations.

There are pros and cons to each vehicle finance option. What matters is finding the finance solution that works best for you, over a long period of time.

At Earn-a-Car, we are passionate about connecting you with a good quality pre-loved car, on a rent-to-own finance plan. Because we offer instant approval and don’t run credit checks, those that meet our business requirements, drive away in their pre-loved car within two hours. With us, you get to own your car in as little as 4 years or less, depending on your personal finance situation. We provide affordable rates that are interest free. Contact us today!

]]>Beginner’s Guide to Car Insurance for Rent-to-Own a Carhttps://www.earnacar.co.za/beginners-guide-to-car-insurance-for-rent-to-own-a-car/
Mon, 06 Apr 2020 05:31:19 +0000https://www.earnacar.co.za/?p=86740Rent-to-own a car is a good option if you want an interest free finance option, a car that is in good condition with affordable monthly repayments. Another benefit is that because most rent-to-own cars are second hand, or rather what we prefer to call as 'pre-loved', you will also avoid the high percentage of deprecation [...]

]]>Rent-to-own a car is a good option if you want an interest free finance option, a car that is in good condition with affordable monthly repayments. Another benefit is that because most rent-to-own cars are second hand, or rather what we prefer to call as ‘pre-loved’, you will also avoid the high percentage of deprecation when compared to buying a new or demo model. When you rent-to-own a car, there are a few important factors you need to bear in mind, which includes car insurance. We’ve compiled a handy beginner’s guide to car insurance that is relevant to a rent-to-own a car finance option.

Insurance Cost?

Car insurance costs depends on several factors including the monetary value of the car, its make and model, your age, gender, work and residential area, including the number of accidents that you may or may not have had in the past. Importantly, the type of insurance cover, for example, comprehensive insurance vs. Third-Party only, will also impact the monthly premium. Your premium is the amount of money you need to pay every month. An insurance deductible is the amount you will need to pay upfront, before your insurance will pay for the claim. When signing up for car insurance, you will be given a number of options to choose from.

How do I choose Car Insurance Cover?

Speak to a financial advisor about the type of cover that suits your needs and is affordable. When speaking to a financial advisor, give examples of a few scenarios that might help you to fully understand the risks and your obligations, such as what would happen if someone drives into your car, or if you car is hijacked and recovered, or if you accidentally reverse into a pole, for example. In South Africa, a number of insurance options are available, namely Comprehensive, Third-Party only, Third-Party and Fire, and Third-Party, Fire and Theft.

How do I find an Insurance Provider?

There are a vast number of car insurance providers on the market today. Search online and explore your options. Thereafter contact the providers online, request a quote from a few and then compare these quotes in your own time. Before making a final decision, always read online reviews and the fine print.

If you don’t have a credit history and need a car, we at Earn-a-Car are able to help you own a pre-loved car that suits your needs and your budget. Blacklisted or have a low credit score? No problem. Complete our online application form and if you meet the minimal requirements, we will contact you, and you could be driving away in a car within twenty-four hours.

]]>The Benefits of Opting into a Rent-to-Own Car Finance Dealhttps://www.earnacar.co.za/the-benefits-of-opting-into-a-rent-to-own-car-finance-deal/
Mon, 23 Mar 2020 03:00:43 +0000https://www.earnacar.co.za/?p=85797When it comes to vehicle finance, two frequently asked questions, by those that are blacklisted or have a low credit score, include: Am I able to purchase a car if I am blacklisted? Is it possible to purchase a car if I have a low credit score? The answer to these two questions is ‘yes’. [...]

]]>When it comes to vehicle finance, two frequently asked questions, by those that are blacklisted or have a low credit score, include:

Am I able to purchase a car if I am blacklisted?

Is it possible to purchase a car if I have a low credit score?

The answer to these two questions is ‘yes’.

Simply put, the rent-to-own car finance plan gives you the opportunity to rent a car with the intention of owning it at the end of the contract period. The other available option is to return the vehicle that you have been renting, for another rent-to-own car, similar to trade-in. Unlike vehicle finance available from dealerships and banks, a rent-to-own car finance plan assists customers who do not qualify for vehicle finance.

Here are eight benefits of a rent-to-own car finance option:

You do not pay interest. This is because a rent-to-own contract is not a financial loan. Instead, you rent a car and then have the option to own the car at the end of the contract term.

There are no credit checks. Unlike a contract to buy a car, rent-to-own car agreements are simple. This is favourable to customers who do have a low credit score or who are blacklisted.

The rent-to-own a car option may be a great choice for start-ups, or even small to medium businesses that need vehicles for their businesses.

The monthly rental amount often includes basic insurance, roadside assistance and a vehicle tracking device.

Customers can terminate their rent-to-own contracts at any time, subject to the terms and conditions contained in the signed rental agreement. If the contract is cancelled, you may run the risk of losing your upfront administration fee.

Most rent-to-own contracts allow customers to upgrade or downgrade their vehicle after eighteen months.

Entering into a rent-to-own agreement gives you the opportunity to build equity and to help to improve your credit score. This also gives the opportunity to save money to pay off debt and increase your credit score.

Similarly, a rent-to-own car finance plan may be a great option if you don’t have a credit history.

At Earn-a-Car, we pride ourselves on delivering excellent customer service. With over 1,000 cars for you to choose from, we provide vehicle finance plans to suit your budget. Contact us today, and we’ll help you get behind the wheel of your car in less than two hours!